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Please use the following forms to inform RBC I&TS of an address change or to request direct deposit of your pension payment. You may also refer to the links below for general pensioner information and government forms. RBCInvestor & TreasuryServices (RBC I&TS) is a specialist provider of asset services, custody, payments andtreasuryand market services for financial and other institutional investors worldwide, with over 4,500 employees in 17 countries across North America, Europe, Asia and Australia. We deliver services which safeguard client assets, underpinned by client-centric digital solutions which continue to be enhanced and evolved in line with our clients’ changing needs. Trusted with CAD 4.3 trillion in client assets under administration. Rbc investor and treasury services rbc denmanRBCInvestor & TreasuryServices produces and mails tax slips confirming details of payments by February 28 each year. If you do not receive your tax slip by February 28, please contact us at 1 8 to request a duplicate. About Us. RBCInvestor & TreasuryServicesRBC I&TS is a specialist provider of asset services, custody, payments andtreasuryservices for financial and other institutional investors worldwide, with over 4,000 employees in 17 countries across North America, Europe, Asia and Australia. /CNW/ - During the first quarter of 2020, the global economy came to a virtual standstill on account of COVID-19 containment measures. Worldwide financial markets sold off, commodity prices plunged and governments and central banks initiated aggressive measures to cushion the blow. Canadian defined benefit pension plans in the RBCInvestor & TreasuryServices All Plan Universe experienced their steepest decline since 2008, posting a median return of -7.1 per cent for the quarter. MSCI World Index posted a quarterly return of -13.3 per cent, with growth stocks considerably outperforming value stocks. While all economic sectors experienced negative returns, energy fared the worst (and information technology took the lead). The Canadian dollar weakened against its US counterpart. As such, plans with unhedged exposure to non-Canadian equities were somewhat sheltered from local currency losses. S&P/TSX Composite Index posted a return of -20.9 per cent for the quarter, wiping out the annual gains from 2019 and significantly underperforming the global market. The impact of the international health crisis was the primary cause, but the dispute over the natural gas pipeline and the oil price war were additional factors. FTSE Canada Universe Bond Index posted a quarterly return of 1.6 per cent, affording plans some shelter from the losses in equity markets. Following the cuts to interest rates by the , the yield curve steepened, and short term bonds outperformed their longer term counterparts. There was a noticeable flight to safety as investors sold off riskier investments (FTSE Canada High Yield Index, with returns of -9.0 per cent) and embraced government bonds (FTSE Canada Federal Bond index, with returns of 5.1 per cent). "It has been an exceptionally difficult period for Canadian pension plans to navigate, as the markets have been experiencing an unprecedented amount of volatility across asset classes," reported , Head, Canadian Asset Servicing, RBCInvestor & TreasuryServices. "However, the substantial monetary and fiscal policy response from governments across the globe gives us room for optimism. While it's difficult to speculate on what may happen over the short term, we hope these measures will lead to some reawakening of our economic growth in the near future." About the RBCInvestor & TreasuryServices All Plan Universe For the past 30 years, RBCInvestor & TreasuryServices (RBC I&TS) has managed one of the industry's largest and most comprehensive universes of Canadian pension plans. The "All Plan Universe" currently tracks the performance and asset allocation of a cross-section of assets under management across Canadian defined benefit (DB) pension plans, and is a widely-recognized performance benchmark indicator. The RBCInvestor & TreasuryServices "All Plan Universe" is produced by RBC I&TS' Risk & Investment Analytics (R&IA) service. R&IA work in partnership with best-in-class technology to deliver independent and cost effective solutions designed to help institutional investor clients monitor investment decisions, optimize performance, reduce costs, mitigate risk and increase governance capability. About RBC is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 85,000 employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our 17 million clients in and 34 other countries. Learn more at ‎ We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. The Financial Consumer Agency of Canada (FCAC) supervises all federally-regulated financial institutions to ensure that they comply with federal consumer protection laws. It also educates consumers and monitors industry codes of conduct and public commitments designed to protect consumer interest. For information on regulatory issues governed by the FCAC, please contact: RBCInvestorServices Trust is committed to ensuring that our services are always provided in a manner which respects the dignity and independence of persons with disabilities and affords them equal opportunity to benefit from the services that we provide. We have developed an Accessibility Plan to ensure we consistently maintain the highest standards of accessibility and responsiveness. Our employees who work directly with the public have been trained on these standards in accordance with applicable legislation. For more information please refer to: Accessible Customer Service at RBC. If you wish to provide feedback on our accessibility standards, please contact us at RBC I&TS Compliance. National Instrument 24-101 provides a legislative framework to ensure more efficient and timely processing and settlement of institutional trades in Canada. Based on the terms of the Instrument, trade matching parties are required to acknowledge their intent to comply by executing a Trade Matching Statement or Trade Matching Agreement. RBCInvestorServices Trust’s Trade Matching Statement is available here. The provinces of Alberta, British Columbia and Quebec currently have laws in place requiring the holders of unclaimed property to make reasonable efforts to locate and contact their rightful owners, if their last known address was in one of those three provinces. If all efforts taken by the holders are unsuccessful, then information on the unclaimed property will be made accessible to the public in order to facilitate its return to the owner. From time to time, RBCInvestorServices Trust distributes benefit payment and mail communications on behalf of its clients. If a communication sent by RBCInvestorServices Trust is returned by the post office as 'undeliverable', we will make a reasonable effort to locate the owner(s). If our efforts are unsuccessful, then we will add the owner(s) and the date that the property became 'unclaimed' to our confidential database. If you would like to request a search of our database, please contact: Toll-Free (English): 1 8 RBCInvestorServices Trust and Royal Bank of Canada are members of the Canada Deposit Insurance Corporation (CDIC). Find out about the RBCInvestorServices Trust and Royal Bank of Canada products that are eligible for deposit insurance from CDIC: Deposit Register of RBCInvestorServices Trust Products Deposit Register of Royal Bank of Canada Products Learn details of CDIC coverage and limitations: Protecting your deposits In compliance with the Support Orders and Support Provisions of the Trust and Loan Companies Act, Canada, specific RBCInvestorServices Trust offices have been designated for the service of enforcement notices.

/CNW/ - During the first quarter of 2020, the global economy came to a virtual standstill on account of COVID-19 containment measures. Worldwide financial markets sold off, commodity prices plunged and governments and central banks initiated aggressive measures to cushion the blow. Canadian defined benefit pension plans in the RBCInvestor & TreasuryServices All Plan Universe experienced their steepest decline since 2008, posting a median return of -7.1 per cent for the quarter. MSCI World Index posted a quarterly return of -13.3 per cent, with growth stocks considerably outperforming value stocks. While all economic sectors experienced negative returns, energy fared the worst (and information technology took the lead). The Canadian dollar weakened against its US counterpart. As such, plans with unhedged exposure to non-Canadian equities were somewhat sheltered from local currency losses. S&P/TSX Composite Index posted a return of -20.9 per cent for the quarter, wiping out the annual gains from 2019 and significantly underperforming the global market. The impact of the international health crisis was the primary cause, but the dispute over the natural gas pipeline and the oil price war were additional factors. FTSE Canada Universe Bond Index posted a quarterly return of 1.6 per cent, affording plans some shelter from the losses in equity markets. Following the cuts to interest rates by the Bank of , the yield curve steepened, and short term bonds outperformed their longer term counterparts. There was a noticeable flight to safety as investors sold off riskier investments (FTSE Canada High Yield Index, with returns of -9.0 per cent) and embraced government bonds (FTSE Canada Federal Bond index, with returns of 5.1 per cent). "It has been an exceptionally difficult period for Canadian pension plans to navigate, as the markets have been experiencing an unprecedented amount of volatility across asset classes," reported David Linds, Head, Canadian Asset Servicing, RBCInvestor & TreasuryServices. "However, the substantial monetary and fiscal policy response from governments across the globe gives us room for optimism. While it's difficult to speculate on what may happen over the short term, we hope these measures will lead to some reawakening of our economic growth in the near future." About the RBCInvestor & TreasuryServices All Plan Universe For the past 30 years, RBCInvestor & TreasuryServices (RBC I&TS) has managed one of the industry's largest and most comprehensive universes of Canadian pension plans. The "All Plan Universe" currently tracks the performance and asset allocation of a cross-section of assets under management across Canadian defined benefit (DB) pension plans, and is a widely-recognized performance benchmark indicator. The RBCInvestor & TreasuryServices "All Plan Universe" is produced by RBC I&TS' Risk & Investment Analytics (R&IA) service. R&IA work in partnership with best-in-class technology to deliver independent and cost effective solutions designed to help institutional investor clients monitor investment decisions, optimize performance, reduce costs, mitigate risk and increase governance capability. About RBCRoyal Bank of is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 85,000 employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. Learn more at ‎We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. About RBCInvestor & TreasuryServicesRBCInvestor & TreasuryServices (RBC I&TS) is a specialist provider of asset services, custody, payments andtreasuryand market services for financial and other institutional investors worldwide, with over 4,700 employees in 16 countries across Data & News supplied by quotes supplied by Six Financial & Barchart Quotes delayed at least 20 minutes. As biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our 17 million clients in , the U. By accessing this page, you agree to the following Privacy Policy and Terms and Conditions. CSDR will now look to capitalize on its earlier successes with an ambitious settlement discipline regime (SDR), an initiative EU regulators believe will result in additional settlement efficiencies. However, some aspects of the SDR could prove to be rather complicated. Settlement discipline regime takes shape EU regulators have advised CSDs that they must levy cash penalties on at-fault counterparties to late matches and failed trades with proceeds being disbursed to the institution on the other side of the transaction. The rules also pave the way for mandatory buy-ins, whereby the entity procuring the securities will be forced to buy-in their counterpart within a prescribed period (four days for liquid assets and seven days for illiquid assets) after a trade fail. For transactions that take place on a trading venue but not cleared, the relevant participant at that venue must initiate the buy-in. If trades are over the counter (OTC) but uncleared, then the relevant CSD participant will be entrusted with executing the buy-in. Asset managers have become accustomed to brokers and custodians assuming responsibility for remediating settlement fails. With CSDR, that onus will shift to investment firms. The impact of CSDR on buy-side firms could be significant, particularly if securities are not delivered on a timely basis, said Ben Pumfrett, Director, Middle Office, Product Management at RBCInvestor & TreasuryServices (RBC I&TS). “As interest rates have been so low in recent years, claims for settlement fails have not been as impactful. CSDR will introduce penalties and mandatory buy-ins, which could increase costs for asset managers,” he added. The Depository Trust & Clearing Corporation (DTCC), for example, has estimated that the penalties for trade fails could eliminate buy-side front office commissions within two days. A brief SDR reprieve for financial institutions Although industry bodies have not taken umbrage at imposing cash penalties for failed trades, several groups including the Association for Financial Markets in Europe (AFME), the International Securities Lending Association (ISLA) and the Investment Association (IA) have expressed concern about the risks posed by mandatory buy-ins. In a letter signed by 14 interest groups, the European Securities and Markets Authority (ESMA) was advised that the rules risked creating additional barriers and costs for market participants trading European securities. The letter also cautioned that CSDR could potentially conflict with some of the objectives laid out in the Capital Markets Union (CMU). Shortly after the publication of the letter, ESMA announced that the SDR would be delayed from September 2020 until February 1, 2021. The regulator said the deferral would allow market users to implement technology changes and update relevant ISO messages. The recent market volatility triggered by the COVID-19 pandemic, which has, in turn, increased transaction volumes, may provide a window into processes and operational practices that could be improved in advance of the settlement discipline regime Asset managers may want to use this time to review their transaction flows and take steps towards improving settlement efficiencies. Pumfrett suggests that asset managers consider implementing best practices and ensuring they have better pre-matching of trades, and enrichment of standard settlement instructions to help reduce potential settlement fails. “The recent market volatility triggered by the COVID-19 pandemic, which has, in turn, increased transaction volumes, may provide a window into processes and operational practices that could be improved in advance of the settlement discipline regime.” Pumfrett further notes that, “When it’s appropriate, asset managers should consider reviewing and refining their trade workflows to help minimize the impact of the regulation.” This may include using outsourcing providers who have technology solutions, scale, and best practices to support asset managers. The impact of SDR on securities lending While buy-ins may create challenges from a market liquidity perspective across many asset classes, there is also an impact on securities financing transactions such as securities lending and repos. As securities lending is largely an OTC activity, settlement fail rates tend to be higher than in cash markets. That means the sector could be vulnerable to CSDR fines. “At present, buy-ins do not apply to securities lending, securities borrowing or repos so CSDR may be problematic for the industry. It could also lead to cascading buy-in regimes as securities lending is not a one-stage event,” explained Donato D’Eramo, Head of Securities Lending at RBC I&TS. Several unanswered questions remain about the SDR’s impact on securities lending and the nature of the transactions which are likely to fall in scope. Greater clarity from regulators would help to further advance preparations, although the recent delay has mostly been welcomed. “The industry has been working on compliance with the reporting requirements under the Securities Financing Transaction Regulation (SFTR) concurrently with CSDR, so the delays to both provide some relief. However, CSDR could be quite beneficial for the securities lending industry in the long-term. First, the market is likely to become much more efficient from a settlement perspective with the adoption of enhanced processes/technology to manage the transaction lifecycle and business best practices. Moreover, we could also see an uptick in demand as increasing numbers of financial institutions borrow more securities to avoid penalties,” said Kyle Kolasingh, Associate Director, Securities Lending at RBC I&TS. While the industry has been generally supportive of CSDR’s introduction of cash penalties for settlement fails, there is some reticence about the impact of mandatory buy-ins. Although market participants are concerned about the potential for buy-ins to drive up costs and reduce liquidity in securities lending markets, it could also yield some positives including greater settlement efficiencies and increased borrower demand. * A participant is considered to be consistently and systematically failing to deliver securities if it has a settlement efficiency at least 15% lower than the general efficiency rate in the securities settlement system (SSS) during at least 10% of the number of days of that participant’s activity in the SSS over the 12 previous months. Rbc investor and treasury services visa rbc en directRBCInvestorServices Trust is committed to ensuring that our services are always provided in a manner which respects the dignity and independence of persons with disabilities and affords them equal opportunity to benefit from the services that we provide. Sovereign Wealth Funds. Treasury & Market Services. In the Community. Investing in Youth. Protecting the Environment. Supporting Emerging Artists. Impact & Governance. With offices in 17 countries on four continents, we know your markets and speak your language. RBCInvestor & TreasuryServices produces and mails tax slips confirming details of payments by February 28 each year. If you do not receive your tax slip by February 28, please contact us at 1 8 to request a duplicate. TORONTO, Apr 29, 2020 (Canada News Wire via COMTEX) -- During the first quarter of 2020, the global economy came to a virtual standstill on account of COVID-19 containment measures. Worldwide financial markets sold off, commodity prices plunged and governments and central banks initiated aggressive measures to cushion the blow. Canadian defined benefit pension plans in the RBCInvestor & TreasuryServices All Plan Universe experienced their steepest decline since 2008, posting a median return of -7.1 per cent for the quarter. MSCI World Index posted a quarterly return of -13.3 per cent, with growth stocks considerably outperforming value stocks. While all economic sectors experienced negative returns, energy fared the worst (and information technology took the lead). The Canadian dollar weakened against its US counterpart. As such, plans with unhedged exposure to non-Canadian equities were somewhat sheltered from local currency losses. S&P/TSX Composite Index posted a return of -20.9 per cent for the quarter, wiping out the annual gains from 2019 and significantly underperforming the global market. The impact of the international health crisis was the primary cause, but the dispute over the natural gas pipeline and the Russia-Saudi Arabia oil price war were additional factors. FTSE Canada Universe Bond Index posted a quarterly return of 1.6 per cent, affording plans some shelter from the losses in equity markets. Following the cuts to interest rates by the Bank of Canada, the yield curve steepened, and short term bonds outperformed their longer term counterparts. There was a noticeable flight to safety as investors sold off riskier investments (FTSE Canada High Yield Index, with returns of -9.0 per cent) and embraced government bonds (FTSE Canada Federal Bond index, with returns of 5.1 per cent). "It has been an exceptionally difficult period for Canadian pension plans to navigate, as the markets have been experiencing an unprecedented amount of volatility across asset classes," reported David Linds, Head, Canadian Asset Servicing, RBCInvestor & TreasuryServices. "However, the substantial monetary and fiscal policy response from governments across the globe gives us room for optimism. While it's difficult to speculate on what may happen over the short term, we hope these measures will lead to some reawakening of our economic growth in the near future." Lowest median returns in the last 25 All Plan Universe -recent median returns years (based on peer universe data) --- Period Return (%) Period Return (%) Period Return (%) --- --- Q3 2008 -8.2 Q1 2020 -7.1 Q1 2018 0.2 --- Q3 1998 -7.9 Q4 2019 2.0 Q4 2017 4.4 --- Q1 2020 -7.1 Q3 2019 1.7 Q3 2017 0.4 --- Q3 2002 -5.9 Q2 2019 2.7 Q2 2017 1.4 --- Q3 2011 -4.6 Q1 2019 7.2 Q1 2017 2.9 --- Q1 2003 -4.1 Q4 2018 -3.5 Q4 2016 0.5 --- Q2 2002 -3.9 Q3 2018 0.1 Q3 2016 4.2 --- Q4 2018 -3.8 Q2 2018 2.2 Q2 2016 2.9 --- About the RBCInvestor & TreasuryServices All Plan Universe For the past 30 years, RBCInvestor & TreasuryServices (RBC I&TS) has managed one of the industry's largest and most comprehensive universes of Canadian pension plans. The "All Plan Universe" currently tracks the performance and asset allocation of a cross-section of assets under management across Canadian defined benefit (DB) pension plans, and is a widely-recognized performance benchmark indicator. The RBCInvestor & TreasuryServices "All Plan Universe" is produced by RBC I&TS' Risk & Investment Analytics (R&IA) service. R&IA work in partnership with best-in-class technology to deliver independent and cost effective solutions designed to help institutional investor clients monitor investment decisions, optimize performance, reduce costs, mitigate risk and increase governance capability. About RBCRoyal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 85,000 employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. Learn more at ‎ We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. About RBCInvestor & TreasuryServicesRBCInvestor & TreasuryServices (RBC I&TS) is a specialist provider of asset services, custody, payments andtreasuryand market services for financial and other institutional investors worldwide, with over 4,700 employees in 16 countries across North America, Europe and Asia. As Canada's biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our 17 million clients in Canada, the U. We deliver services which safeguard client assets, underpinned by client-centric digital solutions which continue to be enhanced and evolved in line with our clients' changing needs. Trusted with CAD 4.3 trillion in client assets under administration, RBC I&TS is a financially strong partner with among the highest credit ratings globally.